Expert Advice for Car Insurance Rates
All Articles on Car Insurance Rates
Why Is My Car Insurance Rate So High?
Your age, driving record, coverage needs, and credit score are all reasons for high insurance rates—but there are simple ways to reduce your premium!
Are Two-Seater Coupes Cheaper to Insure Than Sedans?
Two-door and especially two-seater cars are often more expensive to insure than four-door sedans. Read on to find out why.
Do Progressive Insurance Rates Go Up after a Not-at-Fault Accident?
According to the Consumer Federation of America (CFA), Progressive punishes customers for not-at-fault accidents more than any of the other four largest U.S. auto insurers.
Does Hitting a Deer Raise Car Insurance Rates with GEICO?
Hitting a deer likely won’t raise your insurance rates with GEICO like hitting another vehicle would—but you’ll still need comprehensive coverage!
What is Multi-line Insurance?
By bundling multiple policies with the same insurer, you may qualify for a multi-line discount! Learn more here.
Why Did My GEICO Car Insurance Rate Go Up?
If your GEICO auto insurance rate has gone up, it could be the result of changes to your vehicle, driving record or history, or more.
Kathryn Mae Kurlychek
How to Lower Your USAA Car Insurance Rate
USAA members and their families are rewarded for their military service with plenty of ways to save on car insurance. Find out how to save here.
Are There Car Insurance Companies That Do Not Use Credit Scores?
Root Insurance plans to be the first insurance company to phase out credit scores from its rate calculations, but no provider has done so as of 2022.
Car Insurance for Low-Income Mothers
Car insurance is more expensive than average for single parents—especially once a teen driver gets added to your policy. Learn how to save here!
Who is an At-Risk Driver?
High-risk drivers put more than their safety on the line. They can also face high insurance costs.
Mary Alice Morris
How to Check For Kentucky Road Closures
Get live updates about Kentucky road closures by checking your state or district-specific transportation cabinet’s online platform.
Are Insurance Companies Allowed to Discriminate?
Insurance companies can use your gender marker and driving record to discriminate, but they cannot discriminate based on race or religion.
How Does a Car Insurance Lapse Impact Rates?
If your car insurance lapses, talk to your insurance company as soon as possible to avoid a substantial increase in premiums. Read on to learn what to do when your car insurance lapses.
How to Get Cheap Same-Day Car Insurance
To get same-day car insurance you’ll need to gather your documents, determine your coverage amounts, shop around for quotes, and finalize your chosen policy.
The Best Way to Get Free Car Insurance Quotes
When shopping around for new car insurance, here's how to make sure you get the best quotes in the easiest way.
What Is a Clean Driving Record and How Does it Affect Car Insurance Rates?
Your car insurance rates will rise if your driving record isn't clean, but there are still ways to find affordable car insurance rates.
8 Easy Tricks for Saving on Car Insurance
A lot of people pay more than they should for car insurance. With the right tricks, you can save a lot of money when it comes time to purchase auto insurance.
Sedan vs Coupe: Which to Choose For Cheap Car Insurance
Coupes are often more expensive to insure than sedans, but in your insurance rates depend more on your car’s make, model, and safety features.
The Traffic Tickets That Have the Greatest Effect on Your Car Insurance Rates
Your car insurance rates will rise if you get any moving violation traffic ticket. The traffic tickets that affect insurance rates the most are DUIs and reckless driving.
Does Financing a Car Affect Insurance Rates?
Car financing with insurance can get tricky. Insurance rates increase when you finance a car. Read this article about insurance while financing a car to learn why.
How Different Kinds of Cars Affect Your Car Insurance Rates
The type of car you drive heavily influences how much you pay for insurance. Read this article to learn abut how insurance rates change by vehicle type.
How to Lower Car Insurance Premiums
This is a guide on lowering car insurance premiums. You can keep car insurance rates low by switching providers, raising deductibles, lowering coverage, and more.
The 5 Most Common Reasons Your Car Insurance Rate Increases
Ever asked, "Why does my car insurance keep going up?" Carriers raise rates for all kinds of reasons. Here are the ones that are most common.
How Car Insurance Companies Determine Insurance Rates
Insurance rates are affected by more than your car's price tag. Potential repair costs, risk of theft, and safety features, and more affect your rates.
How to Find the Best Cheap Car Insurance
You can find cheap auto insurance as long as you're willing to put in some work. Here's how.
The 10 Most Expensive Cars to Insure (2020)
Sports cars are the priciest vehicles to insure, with the Bugatti Chrion Sports 110 Ans being the most expensive to insure. Here are the 10 most expensive cars to insure by car model.
11 Ways to Get Cheap Car Insurance That's Actually Good
Don’t assume any one company has the cheapest car insurance rates. To find a cheap policy that’s actually good, shop around for quotes and discounts.
There's a Movement to End Credit Scores' Effect on Car Insurance, and It's Working
Private insurance companies and government officials are working on addressing and eliminating the discrimination brought on by credit score checks affecting car insurance rates.
How to Find a Defensive Driving Course in California
You can get a list of defensive driving courses from the California DMV, but there are other options to consider as well.
Controversial New Car Insurance Law Could Mean Higher Rates for Florida Drivers
Florida is already known for having higher than average car insurance rates. Unfortunately for drivers, rates could soon be rising again thanks to a new law.
Lisa Steuer McArdle
All Questions on Car Insurance Rates
What is the cheapest insurance in New Mexico?
I just moved to Santa Fe and am thinking about canceling my insurance to find a cheaper policy. What are the most inexpensive rates I can expect to find in New Mexico?
How do you choose a car insurance company?
I live in Louisiana and car insurance is so expensive. How do I pick a good, cheap car insurance company?
How do I add a car to my current car insurance?
I'm planning on buying a new car this weekend. Can't wait! I know it needs its own insurance, so how do I add another car to my current car insurance?
What is the cheapest insurance in North Dakota?
I just moved to Bismarck, and I need to switch insurance carriers. What are the cheapest rates I can expect to find in North Dakota?
How can I get my car insurance rates to go down in Michigan?
I live in Michigan and my car insurance rates skyrocketed during my last renewal period. I wasn't in an accident, though, and only had one ticket. This really doesn't seem fair—how can I get my rates to go down?
What is the cheapest insurance in Oregon?
I’m moving to Eugene for college and need to insure the car I’m taking out there. What are the cheapest rates I can expect to find in Oregon?
How do I calculate my car insurance?
Is there any way to calculate your car insurance? My premium went up and it doesn't seem right. I want to calculate what it should be on my own. I want to make sure I'm not getting cheated.
Will my insurance be cheaper now that I am married?
Will I see a decrease in my insurance now that we are married? My husband and I tied the knot last month and now we are finally starting to update all the paperwork in our lives. I had actually added him to my insurance a few years ago. Aside from my name change, will everything else stay the same?
What is the cheapest insurance in South Carolina?
I’m moving to Charleston in a couple of months but want to find a better coverage policy before I go. What are the cheapest rates I can expect to find in South Carolina?
How can I negotiate my car insurance price?
Can you negotiate the cost of car insurance? My rates are high. I know I can negotiate settlements and claims with car insurance companies. Is my premium up for negotiation?
Does a seatbelt ticket make your insurance go up?
I got a seatbelt ticket recently and I’m not really sure what this will mean for me. It seems like a pretty minor offense, but I’m afraid it will make my insurance go up. Is this likely?
Can adding another vehicle increase your insurance rates?
Will adding a second vehicle to our policy increase our rates? My wife and I just got another vehicle.
How do you calculate your car insurance?
Is there any way to calculate your car insurance? My premium went up, which doesn't seem right. Can I calculate it on my own so I know I'm not getting cheated?
Does driving for Uber increase insurance?
I want to drive for Uber because I was laid off from my job. I know it’s an independent contractor position, so I have to pay taxes, gas, maintenance, and insurance. The only thing I’m not sure about is if it will alter my insurance rates. Will driving for Uber increase my car insurance?
Are insurance quotes from different companies binding?
I've been shopping around for a used car and comparing different car insurance rates. If a company sends me a quote, is that the definite price I will pay if I go with that company?
What is the cheapest insurance in Arkansas?
I just moved to Arkansas and need to insure my new Jeep Grand Cherokee. What are the cheapest rates I can expect to find?
How do I buy non-owner car insurance?
I often drive my girlfriend's car, but I am not on the title. How do I buy non-owner car insurance to get insured on the car?
How does Progressive Snapshot know if I’m driving?
For years I’ve been paying insurance rates through the roof. I saw an advertisement for Progressive Snapshot and thought I’d give it a try to lower my premium, but how does it know if I’m driving?
Can I get car insurance for the summer only?
I want to get temporary car insurance for when I’m home from college this summer, but I won’t need the coverage after I go back to school. Is it possible to get coverage for just the summer?
How to find out car insurance expiration date?
I’ve been trying to update my paperwork and make sure I have everything in order. I'm not sure if I have an active car insurance policy anymore, so what is the best way to view my policy's expiration date?
How long do tickets and accidents impact your rate?
How long do things on my driving record impact my insurance rates? I have two tickets from 2019 and an accident from 2018.
What is the best way for newlyweds to save on car insurance?
We just got married and need to save as much money as possible. Are there any tips or tricks to getting a cheaper auto insurance policy?
What color of car has the lowest rate of accidents?
My car was just totaled in an accident. I'm mostly okay, as is the other driver, but it was honestly a terrifying experience, and I never want to go through that again. I've heard that some colors of car can reduce your chance of being an accident—if this is true, what color of car is least likely to get into an accident?
Why is car insurance more expensive in a city?
I live in New York City and I pay four times as much as my friend who lives upstate. Why?
How do you get an insurance quote for a new car?
How can I get an insurance quote for my new car? I just bought a Honda Civic and I'm worried that my current insurance plan will be too expensive with an extra car.
How can I get an accurate car insurance quote?
Insurance shopping is such a mystery to me. It seems impossible to get a straight answer. How do I get an accurate car insurance quote?
If someone else is ticketed while driving my car, will my auto insurance premium go up?
Will I have to pay more for insurance if my friend got a ticket in my car? I let them borrow it for a few days and they got pulled over for speeding.
What’s the best way to get cheap car insurance?
I'm paying $450 a month for car insurance. I can't afford it and need to keep insurance on my vehicle. What can I do to lower my premium?
What is the cheapest insurance in Louisiana?
I am moving to Baton Rouge this summer and am in need of a more affordable insurance premium. What is the cheapest rate I can expect to find in Louisiana?
How much is car insurance per month for a 2008 Kia Spectra?
How much will it be to insure a Kia Spectra? I want to buy this car from my uncle, but I'm wondering how much insurance will be.
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